KR20020040287A - Telephone Payment Gateway for Electronic Commerce Service and Method for Telephone Payment using it - Google Patents

Abstract

PURPOSE: A payment gateway device for settling a telephone charge for an electronic commerce service and a payment method for settling the telephone charge using the same are provided to offer a post-payment settlement method for performing payment to the purchase of a shopping mall to a using telephone number. CONSTITUTION: A telephone charge settlement payment gateway daemon process(211) generates a telephone charge settlement payment gateway child process(212) and receives user information and purchasing goods information from a web/merchant/telephone charge settlement payment server child process(205). The telephone charge settlement payment gateway child process(212) receives a user authentication result from an interlocking system(220), transmits bad user information and a transaction generated in a telephone charge settlement payment gateway device(210) to a blacklist database(216) and a transaction database(217), and provides process result information to the web/merchant/telephone charge settlement payment server child process(205). A statistics block(213) generates day statistics and error statistics information and transmits generated day statistics and error statistics information to a day statistics database(218) and an error statistics database(219). A billing block(214) generates billing information on the basis of transaction information stored in the transaction database(217) and transmits generates billing information to a charge management system of the interlocking system(220). A maintenance block(215) receives transaction information stored in the transaction database(217), manages the state of the telephone charge settlement payment gateway device(210), a state with the interlocking system(220), and inquires information.

Description

Telephone payment gateway device for e-commerce service and telephone payment payment method using the same {Telephone Payment Gateway for Electronic Commerce Service and Method for Telephone Payment using it}

The present invention relates to a telephone bill payment gateway device for an e-commerce service, a telephone bill payment method using the same, and a computer readable recording medium recording a program for realizing the method. In a shopping mall of a business-to-customer (B2C) model, an intelligent network subscriber and a public switched telephone network (PSTN) / ISDN (hereinafter referred to as "PSTN / ISDN") Telephone billing to allow wired or wireless subscribers, such as subscribers, to pay for products purchased at an e-commerce shopping mall on a post-paid basis, rather than through a traditional credit card or electronic money. A payment gateway device, a telephone bill payment method using the same, and a program for realizing the method A computer readable recording medium for recording thereon.

Until now, various technologies and protocols have been developed and applied in the payment method for the purchased goods in the e-commerce shopping mall. That is, a method of receiving a payment directly from a shopping mall or requesting a charge to a credit card number and recovering a charge in connection with a corresponding credit card company is used.

In addition, various payment protocols have been proposed for e-commerce, and as a way to support interoperability among them, the World Wide Web Consortium (hereinafter referred to as "W3C") and CommerceNet, which are standardization bodies, are proposed. A related project is in progress.

The project aims to assist both consumers and sellers in selecting a suitable payment system for any given transaction under multiple payment systems, which extends to the Hyper Text Transfer Protocol (hereinafter referred to as "HTTP"). A protocol extension protocol (called "PEP") and Universal Payment Preamble ("UPP") protocols were developed and piloted in 1997.

In e-commerce shopping malls, the use of a small payment system with a relatively small amount of money is increasing. In such a system, the processing speed and cost of information are the biggest issues. Therefore, a protocol optimized for small transactions between two parties with frequent transactions is being researched and developed. In addition, for the security of using a credit card as a means of payment, there is a technology called SET (Secure Electronic Transaction) (hereinafter referred to as "SET") as an electronic payment protocol made by VISA and MASTER card companies. The credit card transaction system used in everyday life can be safely used in electronic commerce through the Internet.

However, since the protocols are expensive to develop and are implemented as separate protocols, separate costs may be required for users or shopping mall operators. In addition, when paying after purchasing a product, a user needs a separate facility and a subscription procedure such as a credit card, an electronic wallet, and a separate membership registration, and there is no information on credit status, which occupies a large part of Internet users. In other words, the students who do not receive a credit card had a problem of reducing the chance of using a shopping mall and providing a service.

That is, in the conventional method as described above, when a payment is made using a credit card which is currently used the most, even when a relatively small amount (small amount) of a product is purchased, a fee must be paid to the credit card company. In addition, in recent years, the electronic money payment method that implements and uses a separate protocol requires that a software output (for example, a client program) be ported to the system of e-commerce subscribers and operators, and used. Protocol development costs and software costs are high.

The present invention has been proposed in order to solve the above problems, payment to the e-commerce shopping mall users to purchase the shopping mall on the telephone number that they are already using without additional equipment such as a separate credit card or electronic payment protocol. An object of the present invention is to provide a telephone bill payment gateway device for providing a postpaid payment method for enabling a payment method, a telephone bill payment payment method using the same, and a computer readable recording medium recording a program for realizing the method.

That is, the present invention does not require a separate software or protocol for an intelligent network service subscriber or a PSTN / ISDN or wireless Internet subscriber, and charges a telephone number so that a telephone fee is paid at the time of purchase after a product purchase. It is an object of the present invention to provide a payment gateway device, a telephone bill payment method using the same, and a computer-readable recording medium having recorded thereon a program for realizing the method.

1 is an exemplary configuration of an electronic commerce system for a telephone bill payment service to which the present invention is applied.

2 is a block diagram of an embodiment of a telephone bill payment gateway device according to the present invention;

Figure 3 is a flow diagram of an embodiment of a telephone bill payment method using a telephone bill payment gateway device according to the present invention.

* Explanation of symbols for the main parts of the drawings

201: Web / Mertex / Phone Bill Payment Server

202: payment approval, purchase cancellation 203: common gateway interface (CGI)

204: Web / Merrent / Phone Bill Payment Server Daemon Process

205: Web / Mertex / Phone Billing Payment Server Child Process

210: telephone bill payment gateway device

211: Telephone Billing Payment Gateway Daemon Process

212: Billing Payment Gateway Child Process

213: statistics block 214: charging block

215: Maintenance block 216: Blacklist database

217: transaction database 218: daily statistics database

219: error statistics database 220: interlocking system

221: Daemon process of intelligent network customer management system

222: Daemon process of public line switched telephone network (PSTN) / ISDN customer management system

223: Daemon process of public switched telephone network (PSTN) / ISDN fee management system

The apparatus of the present invention for achieving the above object, in the telephone bill payment gateway device for an e-commerce service, generates a telephone bill payment gateway child processing means, and the user information and purchase from the telephone bill payment server child process; Telephone bill payment gateway daemon processing means for receiving product information and the like; Receives user information from the telephone bill payment gateway daemon processing means, generates a user authentication message according to the user's billing phone number, sends it to the interlocking system, receives the user authentication result from the interlocking system, and stores the bad user in the storage means. The telephone bill payment gateway child processing means for transferring information and a transaction occurring in the telephone bill payment gateway device and providing processing result information to the telephone bill payment server child process; The storage means for receiving and storing the information and the transaction of the bad user from the telephone bill payment gateway child processing means, and receiving and storing the daily statistics information and the error statistics information generated by the statistical processing means; The statistical processing means for generating daily statistics and error statistics information and transmitting the same to the storage means; Billing processing means for generating billing information based on the transaction information stored in the storage means and transmitting the billing information to the billing management system of the companion system; And maintenance processing means for performing maintenance according to the transaction information stored in the storage means.

On the other hand, the method of the present invention, a telephone bill payment method applied to a telephone bill payment gateway device, comprising: a first step of generating a telephone bill payment gateway child process according to a user's connection; A second step of the telephone bill payment gateway child process inquiring the user's credit by using the billing phone number of the user in response to a payment approval request from the user; And the telephone bill payment gateway child process selects a postpaid payment method according to the billing phone number of the user, requests a payment approval to the corresponding interworking system according to the selected postpaid payment method, and delivers the response result to the user. And a third step.

In addition, the method of the present invention, receiving a request to cancel the purchase of the goods / services approved for payment from the user, cancels the purchase of the goods / services approved for payment, and transmits the information that the purchase was canceled to the user; It further comprises four steps.

On the other hand, the present invention provides a telephone billing gateway apparatus including a large capacity process, comprising: a first function of generating a telephone bill payment gateway child process according to a user's connection; A second function, wherein the telephone bill payment gateway child process inquires the user's credit by itself using the billing phone number of the user in response to a payment approval request from the user; And the telephone bill payment gateway child process selects a postpaid payment method according to the billing phone number of the user, requests a payment approval to the corresponding interworking system according to the selected postpaid payment method, and delivers the response result to the user. A computer readable recording medium having recorded thereon a program for realizing the third function is provided.

In addition, the present invention, the fourth function for receiving a purchase cancellation request for the payment approved goods / services from the user to cancel the purchase of the payment approved goods / services, and transmits the contents of the purchase cancellation to the user Provided is a computer readable recording medium having recorded thereon a program for further realization.

As such, the telephone bill payment gateway according to the present invention is configured in software on a UNIX-based platform having a network interface card, and is a transaction control protocol / Internet protocol (Transaction Control) that has become a general form of intersystem communication. Protocol / Internet Protocol (hereinafter referred to as "TCP / IP"), and intersystem interworking is achieved through socket interfaces.

In addition, user authentication and delinquency information inquiry functions, information generation and operation maintenance functions for billing are implemented as a software process, and the processing results are stored in a database in each process.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is an exemplary configuration diagram of an e-commerce system for a telephone bill payment service to which the present invention is applied, and illustrates a wired network configuration of an e-commerce shopping mall based on a business-to-customer (B2C) model. Indicates. However, the present invention may be performed in conjunction with a wireless network system, which is well known to those skilled in the art.

As shown in FIG. 1, an e-commerce system for a telephone bill payment service includes a shopping mall user 101 using an e-commerce shopping mall, a public Internet network connecting e-commerce, and an intrusion for security. Web / Mer on the same platform with a firewall (103), an e-commerce internal LAN (104) connecting a server and a gateway device, a web server, a merchant server, and a telephone bill payment server. Hit / telephone bill payment server 105, a distribution center or delivery company 106 that delivers information purchased by a user, a database server 107 that stores all data generated in a shopping mall, credit card payment, online payment, etc. The payment gateway device 108 for the same payment service, the telephone bill payment gateway device 109 for the telephone bill payment method, and the subscriber information necessary for the telephone bill payment The chapter and intelligent network comprises a client management system 110 and the PSTN / ISDN customer management system (111 ~ 11N), and the PSTN / ISDN charge control system for charging the phone number (121 ~ 12N), which.

Referring to the configuration of the electronic commerce system for the telephone bill payment service configured as described above in detail as follows.

The e-commerce shopping mall users 101 access the web / merchant / telephone billing payment server 105 through a commercial web client such as Explorer or Netscape to use the shopping mall.

The web / merchant / telephone bill payment server 105 includes a web server, a merchant server, and a telephone bill payment server on one platform. Here, the web server is responsible for transmitting and receiving Internet traffic with users based on the Hyper Text Transfer Protocol (hereinafter referred to as "HTTP"), and the merchant server is a user who uses a shopping mall. It is responsible for providing the product information, purchase-related information, etc., the telephone bill payment server is responsible for the function to enable the shopping mall to pay the purchase price along with the telephone bill.

The shopping mall users 101 access the shopping mall through the public Internet network 102. The shopping mall is connected to the e-commerce internal LAN 104 through an intrusion prevention system 103 called a firewall. Guarantee it.

All data generated in the operation of the shopping mall, such as member information, product information, etc. in the e-commerce shopping mall are stored in the database server 107, and payment services such as credit card payment, online payment, etc., are not payment gateways. The device 108 is interlocked with a system of an external bank, card company, etc. to provide a payment service.

In addition, after the purchase procedure is completed, the information purchased by the user is delivered to the logistics company or delivery company 106 to be delivered.

On the other hand, in the payment step after purchasing the product in the e-commerce shopping mall, the shopping mall provides a variety of payment methods to the user, the most typical cases are credit card payment, online payment payment, payment by electronic wallet, etc. The bill payment service is a system that operates when a telephone bill payment method is selected among payment methods after selecting a product in a shopping mall.

The telephone bill payment service is largely provided by two systems. The telephone bill payment server of the web / mult / telephone bill payment server 105 calls user information and purchase goods information input from a user. Transfer to the payment payment gateway device 109, and receives the purchase approval result and purchase cancellation result for this, and is responsible for transmitting the result to the user (101).

In addition, the telephone bill payment gateway device 109 and the external system based on the user information, purchase product information, etc. received from the telephone bill payment server of the web / merchant / telephone bill payment server 105 It is a system that directly performs user authentication function by interworking, and performs authentication process for the user by interworking with intelligent network customer management system 110 and PSTN / ISDN customer management system 111 ~ 11N storing subscriber information. will be.

The telephone bill payment gateway device 109 stores all transactions that occur while performing the telephone bill payment service. Here, the transaction information is used by billing data generation and other operation and maintenance software (S / W) blocks.

In order to charge the phone number after the application for purchase in the e-commerce shopping mall, the telephone bill payment gateway device 109 transmits the billing information to the existing PSTN / ISDN fee management system 121 to 12N.

The PSTN / ISDN customer management system (111 ~ 11N) and PSTN / ISDN charge management system (121 ~ 12N) exist for each region, and the user selects them with the area code of their billing phone number input by the user.

On the other hand, in the case of transmitting the billing information to the customer management system of the wireless communication network to have the customer identification system (eg, 016, 018, etc.) of the telephone number entered by the user to select the customer management system.

2 is a configuration diagram of an embodiment of a telephone bill payment gateway device according to the present invention, and provides a telephone bill payment payment service in an e-commerce shopping mall based on a business-to-customer (B2C) model. The internal configuration of the telephone bill payment gateway device and the interprocess processing procedure are shown.

As shown in FIG. 2, the telephone bill payment gateway device 210 creates a telephone bill payment gateway child process 212, and the user from the web / mult / telephone bill payment server child process 205. The telephone bill payment gateway daemon process 211 receives information and product information to purchase, and receives user information from the telephone bill payment gateway daemon process 211 to generate a user authentication message and send it to the interworking system 220. Receive a user authentication result from the interworking system 220, and transmits the bad user information and the transaction generated in the telephone bill payment gateway device 210 to the black list database 216 and the transaction database 217, The processing result information is submitted to the web / merchant / telephone payment server child process 212. The telephone bill payment gateway child process 212, the black list database 216 for receiving and storing the information of the rogue user from the telephone bill payment gateway child process 212 for user authentication, the telephone bill payment gateway A transaction database 217 that receives and stores a transaction occurring in the device 210 from the telephone bill payment gateway child process 212, and the daily statistics information generated in the statistics block 213 is stored in the statistics block 213. Daily statistics database 218 for receiving and storing from the error statistics database 219, Daily statistics and error statistics for receiving and storing the error statistics information generated in the statistics block 213 received from the statistics block 213 Generate and generate the daily statistics database 218 and the error statistics database 219 Statistics block 213 for transmitting to the billing unit, billing block 214 for generating billing information based on the transaction information stored in the transaction database 217 and transmitting it to the billing system of the interworking system 220, and the transaction database. And a maintenance block 215 for receiving the transaction information stored in 217 and managing the state of the telephone bill payment gateway device 210, the state with the interworking system, and performing information inquiry.

In addition, the web / merchant / telephone bill payment server 201 that connects the telephone bill payment gateway device 210 to the user, the Web / merchant / telephone bill payment payment server 201 is a web / The common gateway interface 203 for connecting to the merchant / telephone billing payment server daemon process 204, the web / mult / telephone billing request by the payment approval and the cancellation of the purchase through the common gateway interface 203. Web / mult / telephone billing payment server daemon process 204 for creating payment server child process 205 to deliver related information, and web / mult / telephone billing for all control until service termination Server child process 205.

In addition, the interworking system 220 for user authentication and billing information is the daemon process 221 of the intelligent network customer management system for customer management of intelligent network subscribers, the daemon process of the PSTN / ISDN customer management system for customer management of PSTN / ISDN. 222, and a daemon process 223 of the PSTN / ISDN tariff management system for billing management.

The above-described connection and processing relationship between the components of the telephone bill payment gateway device 210, the web / mult / telephone bill payment server 201, and the interworking system 220 will be described in detail.

First, the telephone bill payment gateway device 210 provides two services to a user of an Internet e-commerce shopping mall. The service is provided through a telephone bill payment procedure and a service that provides a telephone bill payment procedure after a product purchase. It is a service that can request cancellation of goods. In order to provide such a service, the telephone bill payment gateway device 210 may purchase user information, such as a purchaser, a billing phone number, and a social security number, which are input from a user and stored in a shopping cart from the web / mult / telephone billing server 201. Receive product information. Since the information is transmitted to the interlocking systems 220 for user authentication and billing information transmission, the result is received and the user is notified of this via the web / mult / telephone billing payment server 201. Payment payment service will be provided.

The web / merchant / telephone bill payment server 201 displays the input information from the user and the result of the payment approval / purchase cancellation 202 in Hyper-Text Markup Language (hereinafter referred to as “html”). Through a Java Server Page (hereinafter referred to as "jsp") 202 and via a Common Gateway Interface (hereinafter referred to as "CGI") 203. The payment payment server daemon process 204 will send and receive.

When the web / merchant / telephone payment server daemon process 204 requires a payment approval and purchase cancellation service, the web / mult / telephone billing payment server child process 205 processes these requests as its child process. To generate the information and pass the related information to the CGI 203 and the telephone bill payment gateway daemon process 211 of the telephone bill payment gateway device 210.

The web / merchant / telephone bill payment server child process 205 is generated by the number of service requests, and is in charge of all control until the end of the service. In addition, the web / merchant / telephone billing server child process 205 forwards the request message including the relevant information to the telephony billing gateway gateway process 211 via a TCP / IP based socket interface.

The telephone bill payment gateway daemon process 211 generates a telephone bill payment gateway child process 212 that is a child process of the required number, and the child processes perform the entire processing of the telephone bill payment gateway device 210. It is presided over.

The telephone bill payment gateway child process 212 classifies the type of message received and reconfigures the related information (eg, KT card number and password) in the case of an intelligent network subscriber (eg, a KT card service subscriber). Transfer to the daemon process 221 of the system, and if the subscriber is a PSTN / ISDN service, reconfigure and message related information (eg, phone number, social security number, phone number owner name), and daemon of the PSTN / ISDN customer management system. The process is transmitted to the process 222, and in the case of a wireless network subscriber, the related information is reconfigured and transmitted to the wireless network customer management system, and the user authentication result is awaited.

In addition to user authentication, the telephone bill payment gateway child process 212 may query the blacklist database 216 and send the user authentication information to the interworking system 220 before the user may receive a bad user due to other reasons such as bad credit or excessive delinquency. If it is listed as a message that the service is not available to the user via the web / merchant / telephone bill payment server 201. In addition, it is also responsible for storing a transaction, which is all traffic occurring in the telephone bill payment gateway device 210, in the transaction database 217 for each event. In addition, the telephone bill payment gateway device 210 is based on the statistics block 213 for generating daily statistics 218 and error statistics 219 information, and transaction information stored by the telephone bill payment gateway child process 212. A billing block 214 for generating billing information and then transmitting it to the daemon process 223 of the PSTN / ISDN billing system, and the system status of the telephone bill payment gateway device 210, the status of the interworking system, and the information. There is a maintenance block 215 process that is responsible for such functions as inquiry.

3 is a flow chart of an embodiment of a telephone bill payment method using the telephone bill payment gateway device according to the present invention.

The web / mult / telephone bill payment server 201, the telephone bill payment gateway device 210, and the interworking system 220 perform communication through a TCP / IP based socket interface.

As shown in FIG. 3, the telephone bill payment process using the telephone bill payment gateway device 210 is first performed by the telephone bill payment gateway daemon process 204 of the telephone bill payment gateway device 210. After opening and connecting the socket, it waits for a communication connection request from the web / mult / telephone billing server 201 to be received (301). Then, when the connection request is received, the telephone bill payment gateway daemon process 204 creates a child process (302).

Receive headers and data of the message from the web / mult / telephone billing payment server 201 (303, 304), and analyze the received message header to determine whether it is a payment approval request message or a purchase cancellation request message. (305).

As a result of checking whether it is the payment approval request or the purchase cancellation request message, in the case of the payment approval request, the telephone bill payment gateway daemon process 211 additionally required for payment approval from the web / mult / telephone bill payment server 201. The information is received 306, and again information related to the purchase, called an order list, is received 307. Here, the order list includes the order number, the sum of the order product prices, the order name and price, and shopping mall entry company code information.

Next, before performing the user authentication procedure, the telephone bill payment gateway device 210 searches the blacklist database 216 which is managed by itself, compares the billing phone number with the information of the blacklist database 216, and In operation 308, it is determined whether the user is a bad user registered in the black list in advance.

As a result of determining whether the user is a bad user registered in the black list, after comparing the payment method with respect to how to make a payment if the user is not listed in the black list (310), it is checked whether the subscriber is an intelligent network subscriber or a PSTN / ISDN subscriber. (311). The reason why the payment method is handled differently is because the system linked with each other in the telephone bill payment gateway device 210 is different when the shopping mall user is an intelligent network subscriber and a PSTN / ISDN subscriber. That is, when the user selects a payment method, the intelligent network subscriber enters the intelligent network subscriber service number and password. If the user is a PSTN / ISDN subscriber, the user enters the PSTN / ISDN telephone number, social security number, and the owner of the telephone number. Then, the information is transmitted to the telephone bill payment gateway device 210 through the web / merchant / telephone bill payment server 201.

First, a process of the case of the intelligent network subscriber and the PSTN / ISDN subscriber will be described in detail by the following process.

As a result of confirming whether the subscriber is the intelligent network subscriber or the PSTN / ISDN subscriber, if the intelligent network subscriber generates the information message data to be transmitted to the intelligent network customer management system 221 for user authentication in the telephone bill payment gateway child process 212 (312). In operation 314, the data to be transmitted is encrypted (313), and the encrypted message is transmitted to the intelligent network customer management system 221.

Receiving the information message for user authentication, the intelligent network customer management system queries its own customer database to check the validity status of the user, and transmits the result to the telephone bill payment gateway device 210.

The telephone bill payment gateway device 210 receives a user authentication result (321), decrypts the encrypted authentication data (322), and analyzes the authentication result included in the authentication data (323). Then, the message headers of the analyzed authentication data are compared (324) to determine whether the user payment authentication result is a success or failure (324).

As a result of checking whether the user payment authentication result is success or failure (324), if the authentication result is successful, the telephone bill payment gateway device 210 generates a payment approval time (325) and generates the payment approval time. The payment authorization code and other product information are stored in the transaction database (326). Then, it is checked whether it is stored in the transaction database (327).

As a result of confirming that the transaction database is stored in the transaction database, if an error occurs while storing the transaction database, the database storage failure code is transmitted to the web / merchant / telephone billing payment server 201 (333), and the service procedure is terminated. do. However, after confirming that the transaction is successfully stored in the transaction database, if the database has been successfully stored, the payment approval result code is returned from the transaction database (328) and the payment is sent to the web / merchant / telephone payment server 201. The authorization result code is transmitted (329). In addition, the status of the socket is checked in preparation for the case in which the result is not transmitted properly due to a communication error with the web / mult / telephone bill payment server 201 (330).

As a result of the check, if the socket state is normal, the socket is terminated (331), and if it fails, the error statistics database is updated by transmitting to the error statistics database for the transmission error (331).

However, as a result of checking whether the user payment authentication result is a success or failure (324), if the user payment authentication result is a failure, the payment approval failure code is transmitted to the web / mult / telephone billing payment server daemon process 204. (332).

On the other hand, as a result of confirming whether the user is an intelligent network subscriber or a PSTN / ISDN subscriber, when it is confirmed that the user is a member (subscriber) of the PSTN / ISDN network (341), the area code of the telephone number is searched for the corresponding customer management system, and the corresponding customer management The following procedure is performed to find the system.

Since the PSTN / ISDN customer management system is operated for each region, the area code is searched (342) to find a customer management system for the area code. Then, find and assign the IP address of the customer management system for socket communication (343), and reconfigure and generate a payment approval request message including data to be transmitted to the PSTN / ISDN customer management system for user authentication. In operation 344, the payment approval request message is transmitted to the corresponding PSTN / ISDN customer management system (345). In operation 346, a payment approval result message for the request message is received.

Next, a process for confirming the delinquency information for the telephone number is performed. Here, the delinquency information for the telephone number is managed by a fee management system separate from the customer management system.

First, by using the black list database 216 of the telephone bill payment gateway device 210 to query its overdue information (347), by using the black list database 216 of the telephone bill payment gateway device 210 If it is determined in this step that the credit (delinquent) subscribers, and transmits the overdue subscriber to the web / merchant / telephone bill payment server 201 (354).

If it is determined that the delinquent subscriber is not the delinquent subscriber, the delinquent information inquiry message is transmitted to the PSTN / ISDN fee management system 223 secondly. Therefore, the delinquency information request message for transmitting to the PSTN / ISDN communication network fee management system is generated (348), the delinquency information inquiry request is sent to the fee management system (349), and the delinquency approval result message is received ( 350).

The previously received payment approval result 346 and the received delinquent information inquiry result 350 are transmitted to the web / mult / telephone payment payment server (351), and the socket status check for error checking in the transmission step is performed. If the error has not occurred (352), the service terminates (353). However, if an error occurs in the transmission phase, information about the transmission error occurrence is stored in the database (355), the payment authorization failure code is sent to the web / mult / telephone payment server (356) and the service is terminated. (357).

On the other hand, as a result of checking the black list with the user information received from the telephone bill payment server (309), if the user is listed on the black list, the hexadecimal code to store the reason code listed in the black list in the transaction database In operation 361, the converted reason code is stored in a transaction database (362).

In operation 363, it is determined whether there is a database storage error in order to handle an error that may occur in the transaction database storage step.

If it is determined that there is an error in storing the database and there is no error in storing the database, the blacklist code is transmitted to the web / merchant / telephone payment server daemon process 211 and the result is transmitted to the user. Informed (370). In addition, the telephone bill payment gateway device 210 checks the state of the socket because the error may occur in the transmission step (371), and if the state of the socket is normal, the socket is terminated and the service is terminated. (372) If the state of the socket is not normal, the transmission error information is stored and updated in the database (373), and the contents of the transmission are transmitted to the web / merchant / telephone payment server daemon process and the payment approval failure code is transmitted ( 374, the service is terminated (375).

As a result of checking whether there is an error in storing the database (363), if an error in storing the database occurs, a blacklist error code is transmitted (364) to the web / merchant / telephone payment server daemon process, and the web is stored. Check if there has been an update to the database in the / merchant / telephone payment server daemon process (365). Then, it is checked whether the update of the database has been successfully performed (366). If the check is successful, the service is terminated (372). If the update of the database has not been successfully performed, an error code for the update failure is not found. Store the data in the database to update the database (367), send the payment approval failure code to the web / merchant / telephone payment server daemon process (368), and then terminate the service (369).

Meanwhile, the shopping mall user described the payment approval process after purchasing a product. The telephone bill payment gateway device 210 also provides a service for canceling a purchase, which allows a shopping mall user to cancel a purchase contents for which payment approval is completed through a telephone bill payment service after purchasing a product.

The purchase cancellation procedure is a function of a shopping mall counselor canceling a corresponding purchase product through an operator terminal connected to a merchant server of a web / merchant / telephone bill payment server 201 in response to a buyer's request.

The purchase cancellation request is received from the merchant server of the web / merchant / telephone bill payment server 201 to the telephone billing gateway device 210 through the web / mult / telephone bill payment server 201. The telephone bill payment server transmits a transaction identifier of a product to be canceled to the telephone bill payment gateway device 210.

The telephone bill payment gateway device 210 may determine whether it is a payment approval request message or a purchase cancellation request message by analyzing the received message header (305).

As a result of determining whether it is the payment approval request message or the purchase cancellation request message, in the case of the purchase cancellation request message, the corresponding item in the transaction database is canceled using the transaction identifier as a key. After querying the transaction database using the transaction identifier as a key (315), if it is not canceled, the cancel field is set to cancel, and the cancel time is updated and stored in the database (316) to exclude the billing information later. .

If the database update is successfully performed (317), if the database update is successfully performed, the cancellation result stored in the transaction database is transmitted to the web / mult / telephone payment server 201 (318), If it is not delivered to the telephone bill payment server due to an error in the transmission step, a transmission error message is transmitted to the web / mult / telephone bill payment server 201, and the telephone bill payment gateway device 210 The canceled state of the database is restored (319).

When the database update is successfully performed, if an error occurs when storing the database and the storage fails, the database storage error result is transmitted to the web / mult / telephone billing server 201 (320). Allow the agent to retry the purchase cancellation process.

The configuration and service method proposed by the present invention can be applied to mobile communication network subscribers having a mobile phone number, such as mobile phone subscribers. Therefore, even without a separate credit card and electronic wallet, it is possible to purchase and pay a product in an e-commerce shopping mall without the need for a separate membership registration to a subscriber having a mobile phone.

As described above, the method of the present invention may be implemented as a program and stored in a recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.) in a computer-readable form.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes are possible in the art without departing from the technical spirit of the present invention. It will be apparent to those of ordinary knowledge.

As described above, the present invention proposes a configuration and a service processing procedure of a telephone bill payment gateway that provides a service for integrating billing of a product purchase price into a phone number in an e-commerce shopping mall environment. Unlike the case of paying for the purchase of goods using the electronic payment protocol, there is an effect that the payment can be easily processed without using a complicated protocol and a fee reduction for the purchase of goods.

In addition, the present invention can provide a variety of payment methods to the e-commerce users, the existing PSTN / ISDN, intelligent network subscribers can be secured to the e-commerce operator as a shopping mall member.

Claims (11)

In the telephone bill payment gateway device for an e-commerce service, A telephone bill payment gateway daemon processing means for generating a telephone bill payment gateway child processing means and receiving user information and product information to be purchased from a telephone bill payment server child process; Receives user information from the telephone bill payment gateway daemon processing means, generates a user authentication message according to the user's billing phone number, sends it to the interlocking system, receives the user authentication result from the interlocking system, and stores the bad user in the storage means. The telephone bill payment gateway child processing means for transferring information and a transaction occurring in the telephone bill payment gateway device and providing processing result information to the telephone bill payment server child process; The storage means for receiving and storing the information and the transaction of the bad user from the telephone bill payment gateway child processing means, and receiving and storing the daily statistics information and the error statistics information generated by the statistical processing means; The statistical processing means for generating daily statistics and error statistics information and transmitting the same to the storage means; Billing processing means for generating billing information based on the transaction information stored in the storage means and transmitting the billing information to the billing management system of the companion system; And Maintenance processing means for performing maintenance in accordance with the transaction information stored in the storage means Telephone billing payment gateway device comprising a. The method of claim 1, The interlock system, And a device for managing information about subscribers using a wired / wireless network and managing a cost according to the use of the wired / wireless network. In the telephone bill payment method applied to a telephone bill payment gateway device, A first step of creating a telephone bill payment gateway child process according to a user's connection; A second step of the telephone bill payment gateway child process inquiring the user's credit by using the billing phone number of the user in response to a payment approval request from the user; And The telephone bill payment gateway child process selects a postpaid payment method according to the user's billing phone number, requests payment approval to the corresponding interworking system according to the selected postpaid payment method, and delivers the response result to the user. 3 steps Telephone bill payment method comprising a. The method of claim 3, wherein A fourth step of receiving a purchase cancellation request for the payment-approved product / service from the user, canceling the purchase of the payment-approved product / service, and transmitting a content of the purchase cancellation to the user; Phone bill payment method further comprising. The method according to claim 3 or 4, The second step, Receiving a payment approval request message and purchase related information from a telephone bill payment server; A sixth step of determining a credit defective by comparing the information of the billing telephone number with the stored bad user information; And As a result of the determination in the sixth step, if the credit is not bad, proceed to the third step; and if the credit is bad, the seventh step of notifying the user that the service is impossible due to the bad credit Telephone bill payment method comprising a. The method according to claim 3 or 4, The third step, A fifth step of determining a payment method of the user; As a result of the determination of the fifth step, when the payment method pays as an intelligent network subscriber, a message for payment authentication of the user is transmitted to the intelligent network customer management system, and a result message of the message for payment authentication is received to the user. A sixth step of transmitting; And As a result of the determination in the fifth step, when the payment method pays as a public line switched telephone network (PSTN) / ISDN subscriber, payment is made to the public line switched telephone network (PSTN) / ISDN customer management system. A seventh step of transmitting a message for authentication, receiving a result message of the message for payment authentication, and transmitting the same to the user; Telephone bill payment method comprising a. The method of claim 5, The process of notifying the user that the credit is bad, An eighth step of storing the information of the defective user in a storage means; A ninth step of notifying the user that service is impossible due to bad credit; And Tenth step of terminating the socket after confirming that the state of the socket is normal Telephone bill payment method comprising a. The method of claim 6, The sixth step, An eighth step of generating information message data to be transmitted for user authentication to the intelligent network customer management system and transmitting it to the intelligent network customer management system; A ninth step of receiving a user authentication result from the intelligent network customer management system and analyzing the authentication result; A tenth step of comparing the analyzed authentication result and confirming that the user payment authentication result is successful and storing the authentication result information in a storage means; An eleventh step of confirming that the authentication result information is stored in the storage means, receiving the authentication result information from the storage means, and transmitting the payment authentication result information to the user; And 12th step of terminating the socket after confirming that the state of the socket is normal Telephone bill payment method comprising a. The method of claim 6, The seventh step, To generate the payment approval request message to the IP (IP) address of the corresponding customer management system by querying the area code to transmit the payment approval request message to the PSTN / ISDN customer management system. Eighth step; A ninth step of receiving a payment approval result message for the payment approval request message from the PSTN / ISDN customer management system; After confirming that there is no delinquency information for the corresponding telephone number of the user, requesting the delinquency information of the user to the public line switching telephone network (IST) / ISDN fee management system used by the user is requested. Receiving a result of the information inquiry and transmitting the result to the user; And 11th step to terminate the socket after confirming that the socket status is normal Telephone bill payment method comprising a. To a telephone bill payment gateway device that includes a large process, A first function of creating a telephone bill payment gateway child process in accordance with a user's connection; A second function of the telephone bill payment gateway child process inquiring of the user's credit by using the billing phone number of the user in response to a payment approval request from the user; And The telephone bill payment gateway child process selects a postpaid payment method according to the user's billing phone number, requests payment approval to the corresponding interworking system according to the selected postpaid payment method, and delivers the response result to the user. 3 functions A computer-readable recording medium having recorded thereon a program for realizing this. The method of claim 10, A fourth function of receiving a purchase cancellation request for the payment-approved product / service from the user, canceling the purchase of the payment-approved product / service, and transmitting a content of the purchase cancellation to the user; A computer-readable recording medium that records a program for further realization.